Best Car Insurance For Female Drivers

Updated On: 2023-04-27

Author : Team Policybachat

We all know that women are more conscious about their safety and security. They are also more careful about the things they own. Hence, it is not surprising that they want to make sure that they have the best insurance company for their car. This article will help you find out which is the best car insurance for female drivers by comparing different providers on various parameters like coverage, customer service, and price.

Car insurance is a necessity for all drivers. It provides protection and peace of mind, but the benefits differ depending on the type of driver. Car insurance for women, there are some specific benefits that they should be aware of when considering car insurance. Female drivers are statistically safer than male drivers and so they can benefit from lower premiums because they have a lower risk factor.

Driving while pregnant also has specific conditions that need to be met to qualify for a discount with some insurers. Some insurers will also give discounts if you have taken a defensive driving course or if your teen driver has taken one as well.

Female drivers can also benefit from taking advantage of free car maintenance programs offered by some insurers such as oil changes, tire rotations, or brake inspections which can help keep their vehicles running in top condition.

Tips to consider before buying Car Insurance for Female Drivers:-

  • The first step in finding a good car insurance company for your female self is to compare prices with other providers. Do not just go with the cheapest provider as this may lead to low coverage or lack of customer service. Which will result in an unhappy customer.
  • The second step is to compare their coverage for the car you drive. Some car insurance companies may offer a lower coverage than others which could be a disadvantage to you eventually. However, some may also provide more comprehensive coverage as well which is beneficial in case of unforeseen events that could happen to your cars such as theft, accidents, or natural disasters.
  • Your third step should be to get in touch with their customer service team and make sure they are available to answer your questions. This is an important factor in choosing a car insurance company because it proves that they are willing to listen and assist you as much as possible.

This article will take you through everything you need to know about car insurance for female drivers, from what you should be looking out for and how much coverage you need, to how to get a good deal on your premium.

Cheap Car Insurance for Female Drivers:

Car insurance for women usually costs less than men's because insurers have found an analytical correlation between a driver's gender and the cost & frequency of car insurance claims. Men, on average, simply drive more than women. This increases their overall likelihood of being involved in a collision, which in turn makes car insurance higher.

Additionally, men have also been shown to engage in risky driving behaviors like speeding and drunk driving. This is especially true for young drivers, with young male teenagers being twice as likely to be killed while driving as young ladies are. Due to these and other reasons, young women are involved in car crashes less frequently than young men, and they pay less for car insurance to match this lower risk.

Here are a few tips to consider when buying car insurance for female drivers:-          

  • Compare and buy online
  • Install anti-theft devices
  • Know your policy coverage
  • Browse for suitable add-ons
  • Drive safely and renew on time
  • Don’t ignore insurance terms when customizing your car
  • Select the best plan that fits your requirements
  • Strike a balance of deductibles and the premium.

Compare Car Insurance Quotes for Women:

However, whether women are more responsible drivers or not, one thing that everyone should have in terms of driving is a car Insurance policy. And this has been realized by many insurance companies for whom the facts such as customer behavior, the risk involved, age, and lifestyle, play an important role in deciding the coverage which will also help them keep their Claim Ratio minimal. While there is no separate car insurance for women, the buying/renewing for female drivers is the same as the normal car insurance policy.

  • Go to car insurance quotes for female drivers online at
  • Fill in the required details and select your Car Model & Variant, RTO Location, Registration date, and Email address.
  • Click on the “START SAVING MONEY”.
  • Choose between a Third-Party Liability Only and a Standard Package (Comprehensive Insurance).
  • Premiums with different insurance companies are displayed with low premiums
  • Select required Add-ons/Riders and discounts, or you can Edit Policy Details as per your requirement
  • After that fill in the ‘vehicle owner details and personal details.
  • Purchase the best Car Insurance Policy for female drivers/women using online payment
  • If any queries are raised call: 1800–123–4003.

Benefits of Car Insurance for Female Drivers:

Since women are deemed to be better drivers, it is fairly easy to get insurance with low premium rates. Nevertheless, it is important to secure insurance for your car. Imagine the liability you have to contribute if you meet with an accident without any coverage. Not only do you have to pay for the damages but you also risk losing your driver’s license. There are many more distressing issues that car insurance protects you from.

  • Financial Protection against Third-party Liabilities: Sometimes, an accident can cause major losses to the third parties present on the scene. This could be property damage, injuries, or in the worst case even death. It offers financial protection against any kind of third-party damages/losses.
  • Financial Protection against Accidental Damage: An accident of any magnitude can affect the car and its driver. A comprehensive policy covers both in case of an accident. Additionally, any kind of car insurance includes a Personal Accident Cover of Rs. 15 lakh for the owner/driver of the insured car.
  • Coverage for Theft: The thought of a car getting stolen will leave owners in deep despair. Finding out that your vehicle insurance policy covers theft may be one spot of relief in an otherwise bleak situation. If the policyholder has bought a comprehensive car insurance policy, the insurance company can compensate for this theft.
  • Coverage for Natural and Man-made Calamities: Natural calamities can have a disastrous effect on the infrastructure. This includes damage to vehicles as well. Such damages are covered under a comprehensive car insurance policy. Similarly, man-made calamities like riots, vandalism, etc. can cause damage. This too is covered.
  • Mandatory by Law: Buying a car insurance policy irrespective of the nature of a driver is mandatory under The Motor Vehicles Act, 1988. Driving a car without a valid car insurance policy is an offense and you may have to either pay fines, serve prison time, or both for not carrying a car insurance policy.
  • Option to Add-ons/Riders: Buying a comprehensive policy also allows the policyholder to customize it with multiple additional coverages like Engine Protection Cover, Passengers Cover, Roadside Assistance Add-on, Zero Depreciation add-on, etc. (Add-ons will be discussed in the latter part of this article in detail). This allows the policyholder to avail of additional coverage and increases the scope of a basic comprehensive policy.

How Cost of Car Insurance for Female Drivers is Determined?

While your gender has an impact on your car insurance rates, it's far from the biggest factor when an insurance company decides your premium. Other factors that insurers consider include:

  • Your age
  • Your driving record
  • The make and model of your car
  • Your credit score
  • Your marital status.

The type of car insurance you choose can also have an impact on the cost; whether it's a third party, or fully comprehensive. And whatever type you choose, you might not get a cheaper policy simply because of your gender. We want everyone to get the best value insurance, so get in touch today for a quote.

Car Insurance for Young Female Drivers under 25:

Car insurance is a necessity for everyone. However, it can be quite expensive if you are under 25 and happen to be a female driver. This article will explore the ins and outs of car insurance for young female drivers, including how much it costs to insure your car and what type of coverage you should get.

19 year old 18 year old 20 year old 22 year old 24 year old 25 year old
4293 3500 3193 2947 2630 2500

The best way for new, recently licensed teenage girl drivers to secure cheap car insurance is to stay on their parent's policy. It costs half as much to add a teen driver to a policy as it is better to have them take out their own.

Car Insurance for Women over and under 50:

Female drivers are statistically safer drivers than men, and as a result, they typically pay less for car insurance. Women under 50 tend to have lower rates because they are statistically safer drivers. Some companies offer discounts for women drivers under the age of 25 or 30, but the discount is usually around 5%. Some companies offer discounts for female drivers under the age of 25 or 30, but the discount is usually around 5%.

Age Coverage Price Discount
Under 50 years old
  • Comprehensive Car Insurance
  • NCB Discount
2368 5%
Over 50 years old
  • Comprehensive Car Insurance
  • NCB Discount
2728 5%

Car insurance for female drivers over the age of 50 usually pays far more equal for younger drivers, because they are not used to being the same as once they were.

Affordable Premiums for Female Drivers of all Ages:

This is a topic that has been heavily discussed in the media and among women. Many challenges arise when it comes to driving especially for women, such as the lack of affordable insurance for female drivers. It is not only about affordability but also about the availability of these policies, which makes it harder for women to find them.

Companies < 20 year old/ below 20 year old < 30 year old < 40 year old < 50 year old  Above 50 years old
Bajaj Allianz 3347 2949 2103 3160 3013
HDFC ERGO 4786 2849 2204 2193 3204
Royal Sundaram 4728 2473 2194 3193 2940
ICICI Lombard 5527 2394 2303 2344 3138
TATA AIG 5627 2294 2094 3139 4293


Looking at the trend, it won't be surprising if insurers come up with specially tailored Policies for lady drivers with special benefits such as a no-claims discount of up to 75%, 24 hours friendly counseling helplines, and fast car repair support.

On a concluding note, whether you are a man or a woman, car insurance is of equal importance to both because it would save you from falling into a financial incident like situation in event of an accidental loss.

There might not be much difference between the price and features of car insurance for women or men. However, the difference in price and features of your car insurance would vary in case of the model and make of the car and which insurance company you are buying your insurance from.

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